But Toad... it's not that complicated.
If everyone driving around without seatbelts are gonna personally cost me money, then screw that freedom, because it infinges on mine.
Now the question is, do people driving around with seatbelts actually save me money?
I don't know.
The whole thing is one giant question to me at this point. But you've made up your mind, and I wanna see what you're seeing.